MoonPay, Transak, Ramp Network, Banxa, and Paybis compared on integration, KYC, and quotes, plus when a business needs a payout API instead.
MoonPay, Transak, and Ramp Network are consumer on-ramp widgets: an end user buys or sells crypto inside your app, passes the provider's KYC, and pays with a card, bank transfer, or wallet. They differ in integration options, KYC handling, and how firmly they quote. A business paying suppliers or contractors in local currency needs a payout API instead.
This guide compares the three, plus Banxa and Paybis, using each provider's public developer docs as of October 2026. Then it covers the case most comparison pages skip: what to use when the sender is your company, not your user. For background on how ramps earn money on each conversion, see how on/off-ramp providers make money.
Key takeaways
They overlap on the basic job and differ on the details you integrate against. The table puts BlindPay first as the reference point for business payouts, then the five widget providers.
| Provider | Built for | Integration | Who runs KYC | Quote behavior in public docs |
|---|---|---|---|---|
| BlindPay | Business payouts and payins over local rails | REST API, SDKs, MCP server | BlindPay, inside the API (KYC and KYB) | Locks rate and fee; payout quotes expire in 5 minutes |
| MoonPay | Consumer buy and sell inside apps | SDKs: modal or in-app web view | MoonPay, in the widget | Buy quote returns expiresIn and expiresAt |
| Transak | Consumer buy and sell, NFT checkout | Redirect, iFrame, JS SDK, WebView, Whitelabel API | Transak, with KYC Reliance | "Temporary price quote", refreshed every minute |
| Ramp Network | Consumer buy and sell inside dApps | Web and mobile SDKs, REST API v3 | Not stated on the pages reviewed | Quote endpoints return amounts and fees; no lock period stated |
| Banxa | Consumer buy and sell | Hosted Checkout or Native API | Banxa (hosted) or partner (Native API) | Not stated on the pages reviewed |
| Paybis | Consumer buy, sell, and swap | Direct URL, API checkout, overlay SDK | Paybis | Not stated on the pages reviewed |
Sources: MoonPay on-ramp docs, Transak docs, Ramp Network docs, Banxa docs, and Paybis for business, all reviewed in October 2026.
MoonPay is a merchant-of-record widget with broad payment method coverage. Its docs list credit and debit cards, EUR, GBP, and USD bank transfers, PayPal, Venmo, PIX, Yellow Card, Apple Pay, and Google Pay, across 100+ cryptocurrencies.
Because MoonPay is merchant of record, it takes responsibility for fraud disputes and chargebacks, and new users pass MoonPay's KYC inside the widget. That's a real benefit for a wallet that doesn't want card risk.
The off-ramp runs the other way. The user picks a payout method, confirms the sale, and your app sends the crypto on their behalf. The deposit has to reach MoonPay within 48 hours, or the sale fails with "Deposit timeout" (MoonPay off-ramp docs).
Transak is the most flexible on integration shape. You can redirect, embed an iFrame, use the JavaScript SDK, drop it into a mobile WebView, or build a fully custom UI on the Whitelabel API. KYC Reliance lets you share KYC data you already collected, so users don't verify twice.
The off-ramp lets users "receive fiat in their local bank account via different payout methods," and the partner sets its own fee percentage in the dashboard.
On pricing, read the quote docs carefully. Transak's Get Quote is a "temporary price quote" that is "refreshed every minute," and the crypto amount at settlement is based on the latest exchange rate at that moment. That is an indicative price, not a lock. Indicative rate vs binding quote explains why the difference shows up in support tickets.
Ramp Network positions itself as an aggregator. Its docs say it combines "various sources of liquidity, payment and payout methods" so users can "buy or sell crypto directly from your dApp."
For developers, the REST API v3 has separate on-ramp and off-ramp quote endpoints that return a result per payment or payout method, with crypto amount, fiat value, base fee, applied fee, and an optional host fee cut. That makes it easy to show users a choice of methods. The pages reviewed don't state a quote lock or validity period, so ask before you promise an amount.
Both cover the same consumer job with a different emphasis.
If your product is a wallet or exchange, any of the five can work. Pick on payment methods in your users' countries and on who you want owning KYC. On-ramp widget vs API walks through that decision.
Illustrative example, with made-up rates and no real provider fees. A business wants a recipient in Brazil to get paid for 1,000 USDC.
| Step | Refreshing quote | Locked quote |
|---|---|---|
| Rate shown at confirmation | 5.40 BRL per USDC | 5.40 BRL per USDC |
| Rate applied at settlement | 5.38 BRL per USDC (latest rate) | 5.40 BRL per USDC (locked) |
| Recipient receives | R$ 5,380.00 | R$ 5,400.00 |
| Gap vs what was shown | R$ 20.00 short | None |
Twenty reais is small once. Across 500 payouts a month it becomes reconciliation work and recipients asking why the number changed. A consumer buying crypto for themselves tolerates that. A supplier expecting an invoice amount usually doesn't.
When your company is the sender. Widgets assume the person on the other side of the screen is buying or selling for themselves: they log in, pass KYC with the provider, and choose a method. A business payout has a different shape.
BlindPay is built for that job. A payout quote is created against a recipient's bank account and locks the exchange rate and fee, expiring 5 minutes after creation, or sooner on SEPA and Faster Payments (payout quotes). One USDC or USDT balance then pays out over ACH, domestic wire, RTP, and SWIFT (POBO/COBO) with UETR tracking and MT103 confirmations in the US, Pix, PIX Safe, and TED in Brazil, SPEI in Mexico, ACH Colombia, Transfers 3.0 in Argentina, SEPA in Europe, and Faster Payments in the UK (payment methods).
BlindPay operates as a non-custodial payment processor for payout flows from customer-controlled wallets: you authorize the exact amount and BlindPay executes that single transaction. Pricing is a monthly plan plus per-transaction fees disclosed in the live quote before you execute.
Many products need both. A wallet can keep MoonPay or Transak for users buying crypto, and route business payouts through BlindPay. The Latin America payout cheat sheet lists the recipient details each country needs.
List the job first: users buying crypto, or your company paying people. If it's payouts, request a payout quote on a BlindPay development instance and compare receiver_amount with what your current flow delivers. The payout quotes docs show the request.
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